Remember, it’s not just about rate
But here’s some current starting points
Insured*
3.89%
5 year fixed
Insured*
3.70%
5 year vrm/arm
Uninsured
4.19%
3 year fixed
As of Oct 29, 2025 Canada’s prime rate is 4.45% with most financial institutions
*5 year term, 25 year amortization with less than 20% down (high ratio insured)
Quick & Easy Mortgage Calculations
Contact me
(your new favourite west coast, east coast mortgage broker)
Mortgage Architects, A Better Way
Licenced in all of BC
Mortgage Architects Corporate #12728
(coming soon) Licensed in all of NS
email: kerri@mortgagemom.ca
phone: 778-242-6183
What clients say
transparent & honest
No hidden fees. No hidden details.Everything out in the open, as it should be. I work for you, and will ensure that I match you with the mortgage products that work for your lifestyle & goals. Have Questions?
education
I have an educational philosophy – I believe that a mortgage isn’t just “sign here” – I want my clients to understand why picking specific terms, or products matter more than others.
Fast Pre-Approvals
Fast pre-qualifications because I know that time matters. Documents up front mean that when you’re ready to put in an offer on that perfect home, submission to a lender and approval won’t be far behind.
Just some of the fabulous lenders we work with
First Time Home Buyers
I’m here to help you right from the start, all the way until you have your keys in your hands. I walk WITH you through the process, educating along the way to make sure you are confident with your purchase.
Renewals & Refinance
Renegotiating your existing mortgage to get you better terms, or a better product, consolidate some debts, or maybe even a Line of Credit for you to do those home renovations you want to do.
Investment Properties
Interested in getting and investment property to earn a return on the investment, either through rental income, the future resale of the property, or both? That’s something I can help you with.
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